Terms of Service

Century is a licensed technology platform that aggregates services from telecom operators, utility providers, payment processors, banking partners and other regulated third parties. Through your Century account you can access, subject to eligibility and KYC limits:

• A Naira wallet with a dedicated reserved account for funding.
• VTU purchases: airtime, mobile data, international airtime, international data and eSIMs.
• Bill payments: electricity, cable/TV, internet, water, education (exam pins) and betting wallet funding.
• Scheduled/automated payments and VTU credit (loan) facilities.
• A peer-to-peer marketplace for gift-card and stablecoin trades where enabled.
• Peer-to-peer @username transfers between Century users.
• A referral programme and daily check-in rewards.
• In-app notifications, broadcasts, email and receipt sharing.

• You must be at least 18 years old, or provide valid international passport verification if between 13–17, to create an account.
• You must provide accurate registration details including full name, phone number, email, date of birth, country and username, and keep them up to date.
• Each individual may hold only one Century account. Duplicate accounts may be merged or closed.
• You are solely responsible for the confidentiality of your password, transaction PIN, one-time codes (OTP) and 2FA credentials. All activity performed after a successful login is deemed your activity.
• We may require KYC verification to unlock higher wallet and transaction limits. Tier 1 requires a valid NIN and NIN slip/card upload; Tier 2 additionally requires a matching Nigerian bank account lookup. Higher tiers may require additional documents. Approval is at our discretion and may include automated and manual review.
• We may request re-verification, request additional information, or ask you to update KYC details at any time to remain compliant with Nigerian regulations.

• Wallet funding is processed by licensed payment partners. Funds credited to your Century wallet are held in a designated pooled account with a partner bank; you have a beneficial claim to your wallet balance but not to a specific bank deposit.
• Wallet balances are denominated in Nigerian Naira (NGN) and do not accrue interest.
• Reserved virtual account numbers assigned to you must only be funded from bank accounts in your own verified name. Third-party funding may be reversed.
• We may hold, delay or return a deposit that appears fraudulent, sanctioned or otherwise non-compliant.
• Century VTU does not offer wallet-to-bank withdrawals or outbound bank transfers. Wallet funds may only be used for VTU services, bill payments and peer-to-peer @username transfers between Century users.

Airtime, data, international airtime/data, eSIMs, electricity, cable TV, education pins and betting wallet funding are fulfilled by third-party providers (including MTN, Airtel, Glo, 9mobile, DStv, GOtv, Startimes, IKEDC, EKEDC and others). Prices displayed at checkout may include a service markup and are subject to change without notice based on upstream rates.

We do our best to deliver value instantly, but Century is not liable for outages, metering errors, price changes, reversals or delivery delays caused by an upstream provider. Where a transaction fails after debit, the wallet is automatically refunded once the failure is confirmed by the provider — typically within minutes and no later than 72 hours.

• Scheduled payments and auto-buy rules debit your wallet on the frequency you configure. You are responsible for keeping enough balance to cover them; failed runs are retried per schedule and may be cancelled after repeated failures.
• VTU credit (BNPL / airtime-loan) facilities are offered subject to eligibility, wallet history and KYC tier. You agree to the disclosed principal, service fee and repayment schedule at the point of borrowing, and authorise Century to deduct repayments from any subsequent wallet credit until the loan is fully repaid.
• Missed or overdue loan repayments may result in restrictions on further purchases, reporting to licensed credit bureaus, and recovery action.

• @username transfers between Century users are instant and cannot be reversed once completed. Always verify the recipient's name before sending.
• Where the marketplace is enabled, gift-card and stablecoin trades are between users and Century acts as a facilitator. We reserve the right to hold, cancel or reject any trade that appears fraudulent or violates card-issuer or exchange policies.
• The referral programme rewards you for bringing new verified users to Century. Referral earnings are credited according to the current programme rules displayed in-app. We may adjust, claw back or forfeit referral rewards for abuse, self-referral, sim-farming or coordinated fraud.
• Daily check-in and other promotional rewards are subject to the campaign's terms and may be withdrawn at any time.

• Fraud, money laundering, terrorism financing, or any activity that violates Nigerian law, the CBN's payment regulations, or applicable sanctions.
• Reselling Century-purchased airtime, data or pins as a competing VTU service without a written commercial agreement.
• Attempting to bypass rate limits, price controls or security controls, exploiting vulnerabilities, scripting the app, or using automated agents without written permission.
• Using another person's payment card, bank account, NIN or identity to fund your wallet or complete KYC.
• Funding a Century wallet or betting wallet with the intent to withdraw to a bank account or otherwise treat the wallet as a bank account.
• Threats, harassment, hate speech or spam directed at Century staff or other users through in-app chat, support or receipt notes.

Where we reasonably suspect a breach, or where a transaction is reported as fraudulent, stolen, malicious or otherwise disputed, we may:

• Freeze the affected account with a recorded reason (e.g. fraud, theft, malicious transaction, account reported) pending investigation.
• Block or reverse individual transactions with a recorded reason.
• Debit the wallet to correct an over-credit, chargeback or provider reversal.
• Suspend, terminate or permanently close the account and cooperate with law enforcement and the Nigerian Financial Intelligence Unit (NFIU).

Frozen or blocked funds may be released once our investigation confirms no wrongdoing.

Wallet funding, VTU purchases, loan disbursements and other services may attract fees. Applicable fees are always shown before you confirm a transaction. Peer-to-peer @username transfers between Century users are free. We reserve the right to update our fee schedule at any time; material changes will be communicated in-app or by email.

Where a VTU or bill transaction fails, the wallet is refunded automatically. For unresolved disputes, contact centurycryptos@gmail.com or WhatsApp 07033654759 within 30 days of the transaction. Disputes older than 30 days may not be reviewable due to provider settlement cut-offs. Chargeback abuse (raising a dispute for a transaction you actually authorised) is grounds for account termination and recovery of the disputed amount.

You must use a strong password, keep your transaction PIN private and enable two-factor authentication when offered. Century logs authentication events, admin actions, KYC decisions, refunds, reversals, freezes and blocks to a tamper-evident audit trail used for compliance and dispute review. Where an admin freezes an account or blocks a transaction, the recorded reason (fraud, theft, malicious transaction, account reported, etc.) is preserved in that audit log.

By creating an account you agree to receive transactional notifications by in-app message, push, email and (where relevant) SMS — including receipts, KYC decisions, low balance alerts, security notices, scheduled-payment results and admin broadcasts. Marketing emails and newsletter subscriptions are opt-in and can be unsubscribed at any time from the link in the email or from Settings.

The service is provided on an "as is" and "as available" basis. We may add, change or discontinue features, temporarily suspend the platform for maintenance, or update these Terms. Material changes will be communicated by in-app notification or email at least 7 days before they take effect (or sooner where required by law).

To the maximum extent permitted by Nigerian law, Century's aggregate liability arising from your use of the platform in any 12-month period is limited to the greater of (a) the fees you paid to Century in that period, or (b) the value of the specific transaction giving rise to the claim. We are not liable for indirect, incidental or consequential losses, including loss of profits, business opportunities, data or reputation, or for third-party operator downtime.

You may close your account at any time by contacting support, subject to clearing any outstanding loan balance and completing anti-money-laundering checks on remaining funds. We may suspend or terminate your account immediately if you breach these Terms, if required by a regulator, or if your account is dormant for an extended period. Because Century VTU does not offer wallet-to-bank transfers, any remaining wallet balance on termination may only be used for eligible VTU services and bill payments on the platform or transferred to another Century user; it cannot be paid out to a bank account.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute not resolved amicably will be submitted to the exclusive jurisdiction of the courts of Ekiti State, Nigeria.

Powered By Century.
Century VTU · Ado-Ekiti, Ekiti State, Nigeria
Email: centurycryptos@gmail.com
WhatsApp: 07033654759